For handgun magazines, I keep all of my magazines loaded, but then I only own 2 or 3 for each pistol. I absolutely do NOT load them and unload them at any time except on range trips.
For my AR magazines, I have many that are loaded, but then many that are unloaded so that when I go to the range I can take the unloaded ones to put in plinking ammo without needing to unload the good stuff.
At the very moment of NEEDING a firearm, one only has as many rounds as are currently loaded into magazines that are accessible.
Load them and leave them loaded is my 2 cents!
.45acp, .40 S&W, 9mm, .38 Spl, .380 acp, 22lr
12 gauge, .223/5.56x45mm, 30-30 Winchester
2 Chron. 7:14 Christians must seek His face